assist with the facilitation of medical evacuation (at your own cost, or that of your insurance provider).

If you do not have insurance, you are expected to pay any medical costs yourself. This includes any costs involved in returning to New Zealand, which could involve special flights and a medical escort. Some hospitals may be reluctant to provide treatment if payment is not guaranteed.

Accident Compensation Corporation (ACC)

In some cases the Accident Compensation Corporation (ACC) may provide cover to New Zealanders, on their return to New Zealand, for treatment of injuries sustained while travelling on short trips overseas.

To qualify, the individual must be ordinarily resident in New Zealand.

ACC assistance is not available to cover any costs related to treatment overseas.

A full written medical report from the doctor, dentist or hospital detailing the incident and any treatment received overseas should be requested if an individual intends to put in a claim on return to New Zealand.

Adventure travel

Adventure activities and extreme sports are becoming increasingly popular with many New Zealanders travelling overseas. These activities include white water rafting, bungee jumping, rock climbing, mountaineering, safaris and tours to remote places. Travellers need to be aware of the increased risks involved and the possible consequences.

There have been instances of death and serious injuries resulting from adventure and extreme sports activities. You should only use reputable guides and operators with proven safety records. You should also be very aware of insurance implications.

Many insurance companies specifically exclude these types of activities from travel insurance policies. Individuals are then personally responsible should an accident or mishap occur. See the Insurance Council of New Zealand website for more details.

Evacuation, hospitalisation and medical costs can be extremely high in many countries and you are expected to cover these costs yourself.